Lone Star Finance

Installment loans · 918 Mercury Dr #5, Northeast Houston

★ 4.8 · 34 ratingsHours listed

Should you go here?

Many bad reviews, and Texas caps what it can charge.

Borrowers leave more bad reviews here than at 64% of Houston stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Watch out

What borrowers say4.8★

34 ratings. Customers stay for years.

What borrowers say ↓

Watch out

Bad reviews9%

of its written reviews are 1–2★, a higher share than at 64% of Houston stores.

How it compares ↓

Check it

What it costsCapped

Texas sets the maximum charges. Ask for the total of all payments.

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeAsk a credit union about a small-dollar loan first →0.3 mi away · pawn loansCash America Pawn — ★ 3.4 →

From ratings and written reviews of this store. Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in Houston.

Rating

4.8Higher than 45% of Houston loan stores. City average is 4.4.

Lowest rated in HoustonHighest

Bad reviews (1–2★), share of written reviews

This store9%

Average Houston installment loan store10%

What borrowers say

Customers stay for years

Counted in 23 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service3 reviews · 13 per 100

What it costs

Capped by Texas law

Installment lenders need an OCCC licence and Texas sets the maximum they may charge. Ask for the total of all payments in dollars, not just the monthly figure.

Before you go

What to take, and what to ask before you sign.

Bring these

Their website doesn’t list documents. Call ahead and ask what to bring.

At the store

Wheelchair access · Apply online first

Ask these at the counter

1
What is the total of all payments, in dollars?
Not just the monthly figure. Ask whether insurance is added, and whether it is optional.
2
What happens if I’m late?
Ask for the late fee in dollars and whether they call your employer or references.
3
Can I pay it off early?
Ask them to confirm there is no charge for paying early.

Installment loans in Texas: how they work, your rights, how to get out →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Before you borrow here, ask a credit union about a small-dollar loan.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

Been to Lone Star Finance?

Tell other borrowers what it was like. We read every review before it goes up, good or bad.

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In borrowers’ own words

“Quick and easy to do a loan with Lonestar.”

Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.

About this lender

Installment loans.

An independent business, not part of a chain.

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